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BMW M3 verzekeren & compare premiums

Insure your BMW M3 — de sportieve sedan met een 3.0 zescilinder biturbo van zo'n 480 tot 510 pk. Zo'n auto vertegenwoordigt een hoge waarde en niet elke verzekeraar accepteert het vermogen. Wij vergelijken More dan 30 verzekeraars en verzekeren uw BMW M3 op de juiste waarde. Onafhankelijk advies van Finass Insures.

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Compare independently
30+ insurers
For your BMW M3
Personal advice

In 1 minute explained

Watch this short video to see what to look out for and which choices suit your situation.

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Insure your BMW M3 with Finass Verzekert

Insuring your BMW M3

The BMW M3 is een sportieve sedan met een 3.0 zescilinder biturbo van zo'n 480 tot 510 pk en een waarde van ruim €110.000. Door dat hoge vermogen, de hoge waarde en de reparatiekosten beoordeelt niet elke verzekeraar zo'n auto hetzelfde. De WA-Coverage is, zoals altijd, wettelijk verplicht.

For a BMW M3, insuring is appraisal or replacement value often wise, so that there is no dispute regarding value in the event of damage. Due to the capital, not every company accepts this model or applies additional security requirements. At Finass Insures We compare more than 30 insurers and look for the party that accepts your BMW M3 and offers the most competitive insurance.

What should you look out for when insuring a BMW M3?

Pay attention to the valuation (appraisal or replacement value), the high power output and its acceptance, theft prevention and security, and the cost of parts. We provide independent advice and ensure that your BMW M3 is properly insured.

More about the car insurance

A BMW M3 deserves appropriate insurance. Whether you choose Third-Party Liability, Third-Party + Limited Comprehensive, or All-Risk — the right coverage depends on the value and age of your BMW M3. We independently compare car insurance for your BMW M3 from more than 30 insurers.

What does car insurance cover?+
  • ✓Third-party liability (legally required): damage you cause to others with your car
  • ✓Third-Party Liability + Limited Comprehensive (WA+): also theft, fire, storm, hail, and glass damage
  • ✓Collision with animals and sometimes joyriding or parking damage (limited comprehensive)
  • ✓All-risk (fully comprehensive): also includes damage to your own car caused by your own fault
  • ✓New value or purchase value scheme for young cars
  • ✓Additional: legal assistance for traffic, passengers, and roadside assistance

We (Finass Verzekert) independently compare car insurance from more than 30 insurers — so you get the best coverage at the lowest premium.

Why is car insurance important?+
  • ✓Third-party liability insurance is legally required for every car.
  • ✓With limited comprehensive coverage, you are also covered for theft, fire, storm, and glass damage.
  • ✓All-risk also covers damage caused by your own fault — handy for a new or expensive car
  • ✓You build up claim-free years and receive a no-claim discount (up to 80%).
Who is car insurance suitable for?+
  • ✓Third-party liability: older cars with a low current market value or a second car
  • ✓Third-party liability plus (limited comprehensive): cars aged 5-10 years with a risk of theft or glass damage
  • ✓Comprehensive: new or more expensive cars, or a car with an outstanding loan
  • ✓Everyone who is legally required to insure their car
Tips for closing+
  • ✓Choose the coverage based on the value and age of your car (comprehensive is often cost-effective up to ~6 years).
  • ✓Pay attention to the total loss policy: new value, purchase value, or current market value
  • ✓Weigh the deductible against the premium (often a lower deductible for glass damage)
  • ✓Paying for minor damage yourself can be cheaper than losing your no-claims bonus.
  • ✓Consider additional coverages: legal assistance, passengers, and roadside assistance.
How do you find the best car insurance?+

The premium depends on your age, place of residence, type of car, your claim-free years, and the chosen coverage. Finass Verzekert independently compares more than 30 insurers so that you find the right coverage at the most competitive premium.

Lees het volledige kennisdossier: alles over de car insurance →

Which coverage suits your BMW M3?

Voor een BMW M3 is Allrisk — bij voorkeur op appraisal or replacement value — vrijwel altijd de logische keuze vanwege de hoge waarde. WA en WA + Beperkt Casco bestaan wel, maar dekken schade aan uw eigen auto niet of beperkt.

BASIC

Third-party liability insurance

Legally required minimum

De wettelijk verplichte basisdekking. Bij A waardevolle BMW M3 dekt WA de schade aan uw eigen auto niet — meestal onvoldoende.

What is covered:
  • Damage to other vehicles
  • Injury to persons or third parties
  • Damage to buildings and objects
  • Damage caused by occupants
Bereken WA-Premium →
MOST CHOSEN
EXTENSIVE

Third-Party Liability + Limited Cover

All-inclusive entry for your BMW M3

In addition to third-party liability coverage, also protection against damage to your own car caused by external factors that you cannot prevent.

Extra coverage:
  • Fire and storm damage
  • Theft and burglary
  • Window breakage and glass damage
  • Collision with animals
  • Hail damage
Bereken WA+ Premium →
COMPLETE

All-risk insurance

Highly recommended for your BMW M3

The most comprehensive coverage, even in case of your own fault, preferably based on appraisal or replacement value. The obvious choice for a BMW M3.

Everything from WA+ plus:
  • Damage caused by one's own fault
  • Vandalism
  • Unknown cause
  • Total loss payout
  • Collision damage
Bereken All-risk-premie →
Comparison of covers for your BMW M3
CoverageWAThird-Party Liability + Limited CoverAll-risk
Damage to others (liability)
Fire, storm and nature
Theft and burglary
Window breakage and glass damage
Collision with animals
Damage to own car due to own fault
Vandalism and unknown perpetrator
Recommended forLimited useRegular useRecommended

Additional coverages for your BMW M3

Complete the insurance for your BMW M3 with these modules, tailored to a valuable car.

Appraisal / replacement value

Insure your BMW M3 for a predetermined appraisal or replacement value, so that there is no dispute regarding the value in the event of damage or total loss.

Accessoires & velgen

Coverage voor kostbare accessoires, velgen en opties van uw BMW M3 — vaak duur om te vervangen.

Roadside assistance NL & Europa

24/7 roadside assistance, with careful recovery and replacement transport throughout Europe.

Passenger Insurance (SVI)

Vergoedt letsel- en materiële schade van Director en passagiers, ongeacht de schuldvraag bij een ongeval.

PREMIUM CALCULATION

What does the premium of your BMW M3 depend on?

The premium for a BMW M3 hangt vooral af van het hoge vermogen, de waarde, de gekozen Coverage en het gebruik. Omdat verzekeraars zo'n krachtige auto verschillend beoordelen — en niet elke maatschappij hem accepteert — lopen de premies flink uiteen.

Door te vergelijken via Finass Verzekert ziet u welke verzekeraar uw BMW M3 accepteert én het voordeligst verzekert, met de juiste appraisal or replacement value.

1
Vermogen & waarde (BMW M3)
Valuation or new value of your BMW M3
2
Number of claim-free years
The more years, the lower your premium (up to 80% discount)
3
Annual mileage
Usage and annual mileage
4
Age of chief executive officer
Risk category based on your age
5
Postal code area
Regional theft and collision statistics

Insure your BMW M3 or switch: this is how it works

It is best to insure a BMW M3 at the correct value (with a valuation report or new value scheme) with an insurer that accepts the model. We compare more than 30 insurers. Do you already have a policy? After the initial contract period, you can switch monthly; Finass Verzekert takes care of it, ensuring you are not left uninsured.

The 4 steps to switching

  1. Calculate your premium via our tool with your license plate
  2. Compare the providers and choose the best coverage for your BMW M3
  3. We handle the cancellation with your old insurer
  4. Your new policy takes effect immediately after the notice period

When can you cancel?

Not every insurer accepts the high power output of a BMW M3, and some impose requirements regarding security or a valuation report. Also, pay attention to any exclusion for track use. We find the insurer that offers the most favorable coverage for your BMW M3 and handle the entire switch.

Insure your BMW M3 or switch with Finass Verzekert

Frequently asked questions about your BMW M3 insurance

All the answers to the most frequently asked questions about insuring your BMW M3 at a glance.

How much does it cost to insure a BMW M3?

That depends on the value, the version, the chosen coverage, and your situation. By comparing more than 30 companies, you will find the best premium for your BMW M3 via Finass Verzekert.

Does every insurer accept a BMW M3?

No. Due to the high power output, some insurers are hesitant or impose requirements regarding security and a valuation report. However, there are companies that do insure such a car. We know which party accepts your BMW M3 and under what conditions.

Should I insure my BMW M3 at appraisal value or new value?

For such a valuable car, that is sensible. With an appraisal report or new value policy, the insured value is fixed, so that there is no dispute in the event of damage or a total loss. We clearly explain the conditions for each insurer.

Which coverage should I choose for my BMW M3?

Due to the high value, All-risk insurance, preferably based on appraisal or replacement value, is almost always the appropriate choice. Third-party liability (WA) or WA + Limited Comprehensive coverage provides no or limited coverage for damage to your own car. Calculate your premium using the tool to compare the options.

Is a BMW M3 expensive to insure?

Due to the value and repair costs, the premium is higher than average. At the same time, not every insurer assesses this equally. By comparing, you will find the company that values ​​your BMW M3 most favorably.

Does theft prevention count towards my BMW M3?

Ja. Bij een gewilde, waardevolle auto stellen verzekeraars vaak eisen aan beveiliging, zoals een goedgekeurd alarm of track-and-trace. Goede beveiliging kan de Premium en de acceptatie gunstig beïnvloeden. Wij adviseren u hierover.

Does my insurance also cover the racetrack or abroad?

You are covered as standard abroad (EU and neighboring countries). However, track and racing use is almost always excluded from standard car insurance; a separate arrangement is required for this. We will tell you in advance what to look out for.

Can I insure my BMW M3 even without no-claims bonus?

Yes. Without claim-free years, you start at a lower tier and pay more, but insurance is always possible. We look for the insurer with the most favorable starting tier that also accepts your BMW M3.

Personal advice on your BMW M3 at Finass Verzekert
Finass mascot

Why insure your BMW M3 via Finass Insures?

As an independent advisor, we compare more than 30 Dutch insurers and know who will accept a valuable BMW M3 and insure it for the correct value. Not a comparison site, but a real advisor.

  • 30+ insurersBroad comparison for the best premium
  • Within 2 minutesPremium calculated based on license plate
  • Kennis van bijzondere Auto'sHoge waarde & taxatiewaarde
  • Personal adviceAvailable 6 days a week

What our customers say about their BMW M3

Customers rate Finass Verzekert on average with a 9.5 and the handling of car damage with a 9.8.

9.5
Customer review
9.8
Claims handling

“Mijn M3 is veel waard en heeft veel vermogen. Finass verzekerde hem op taxatiewaarde bij A verzekeraar die dat accepteert. Netjes geregeld.”

N
Niels V.
All-risk — M3, taxatiewaarde

“Niet elke maatschappij wilde mijn M3 verzekeren. Finass kende The partij die dat wél doet. Fijn advies.”

S
Sabine K.
All-risk — M3

“Ik wilde bij total loss geen discussie over The waarde. Dankzij nieuwwaardedekking zit ik goed.”

M
Mounir B.
Allrisk — M3, New value

“Prettig dat A echte adviseur meekeek bij zo'n bijzondere auto. Snel geregeld.”

I
Iris D.
All-risk — M3

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Other BMW models: BMW M3  ·  BMW M4  ·  BMW M5  ·  BMW X5  ·  BMW X7
Category: Traffic  ·  BMW  ·  Sports car  ·  Import car

Already insured and damaged?

Report your damage immediately, or consult your insurer's policy conditions and forms. In the event of damage, calling us is the fastest way. 072 - 509 24 56.

Ready to your BMW M3 to insure?

Bereken uw premie en ontdek bij welke verzekeraar uw BMW M3 — op de juiste appraisal or replacement value — goed en voordelig verzekerd is. Persoonlijk en onafhankelijk advies van Finass Verzekert.

Damage on the road? Emergency line 24/7: 06 - 55 20 40 72